How many investments do you own? (clarification below)

Discuss all general (i.e. non-personal) investing questions and issues, investing news, and theory.

How many different funds, etfs, stocks, or bonds do you own?

0
0
No votes
1
6
3%
2
2
1%
3
2
1%
4
13
8%
5
8
5%
6
16
9%
7
15
9%
8
18
10%
9
7
4%
10
6
3%
11
3
2%
12
10
6%
13
9
5%
14
4
2%
15
4
2%
16
5
3%
17
3
2%
18
3
2%
19+
38
22%
 
Total votes : 172

How many investments do you own? (clarification below)

Postby SamGamgee » Thu May 02, 2013 10:12 am

Just the number. Let's leave out cash or cash equivalents, and also ignore assets like real estate that you own directly, or a personal business. So if you own a house, some shares in the total stock market mutual fund, some of the total bond market etf, 100 shares of APPL, some cash in a moneymarket fund, and some savings and checking accounts, I would count that as 3 different "investments". The ones that count are total stock market, total bond market, and APPL.

I'm sure you'll find some grey areas in that instruction. Just do your best.

EDIT: feel free to also leave out any investments so small that they all add up to 1% of the whole. That might give a more meaningful answer.
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Re: How many investments do you own? (clarification below)

Postby SamGamgee » Thu May 02, 2013 10:16 am

My answer is 5. That includes company stock that is given to me in my 401k, which I get rid of every year or so.

For me, my true portfolio is only 4 things: total stock market, total stock international, total bond, and short term bond.
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Re: How many investments do you own? (clarification below)

Postby red5 » Thu May 02, 2013 10:21 am

8. I did not include duplicate investments (same fund but in different accounts) or different classes of same fund (etf and MF version of same fund).
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Re: How many investments do you own? (clarification below)

Postby jeff1949 » Thu May 02, 2013 10:22 am

My answer was five (5) also.

TSM Index
REIT Index
Emer. Mkt Index
SCV Index
Dev. Mkt. Index

All Admiral shares at Vanguard in equal amounts.

Have a bunch of 3.0+ I-Bonds too but you said no cash equivalents. :)
Last edited by jeff1949 on Thu May 02, 2013 10:23 am, edited 1 time in total.
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Re: How many investments do you own? (clarification below)

Postby rkhusky » Thu May 02, 2013 10:23 am

5 in 401K, 3 in my IRA, 4 in spouse IRA, 6 in taxable, 3 529's.
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Re: How many investments do you own? (clarification below)

Postby SamGamgee » Thu May 02, 2013 10:28 am

rkhusky wrote:5 in 401K, 3 in my IRA, 4 in spouse IRA, 6 in taxable, 3 529's.


No duplicates?
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Re: How many investments do you own? (clarification below)

Postby rkhusky » Thu May 02, 2013 10:32 am

SamGamgee wrote:
rkhusky wrote:5 in 401K, 3 in my IRA, 4 in spouse IRA, 6 in taxable, 3 529's.


No duplicates?


No.
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Re: How many investments do you own? (clarification below)

Postby Johm221122 » Thu May 02, 2013 10:33 am

Counted EE bonds and I bonds as one each, plus 7 mutual funds.But Two 500 index so 8 total
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Re: How many investments do you own? (clarification below)

Postby Default User BR » Thu May 02, 2013 10:37 am

16 total, ignoring EE bonds.


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Re: How many investments do you own? (clarification below)

Postby zaboomafoozarg » Thu May 02, 2013 11:16 am

I voted 12 total, but probably less than 10 in reality because some of them are the same (ie, BND and VBTLX).

Yeah, counted that way it'd be 9.
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Re: How many investments do you own? (clarification below)

Postby mhc » Thu May 02, 2013 11:18 am

8 = 3 (401k@Fidelity) + 1 (HSA@Fidelity) + 4 (Taxable,Roth@Vanguard)

I forgot I have 1 more in 529's for a total of 9.
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Re: How many investments do you own? (clarification below)

Postby nodenuff2 » Thu May 02, 2013 11:24 am

4 not counting a stable value fund .
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Re: How many investments do you own? (clarification below)

Postby willardx » Thu May 02, 2013 11:35 am

13 (I think), not including duplicates across different accounts. But I'm working on it. :oops:
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Re: How many investments do you own? (clarification below)

Postby MoonOrb » Thu May 02, 2013 11:36 am

7, because our 401(k) options don't include total stock market, total bond, or total int'l, so we have to sort of cobble together market coverage from the options we have, and there's a trickle down effect through the rest of our holdings.
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Re: How many investments do you own? (clarification below)

Postby Grt2bOutdoors » Thu May 02, 2013 11:40 am

I hold an individual stock - large cap value portfolio in addition to the indexes and 529 plans. Put me in the 19+ category.
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Re: How many investments do you own? (clarification below)

Postby gerrym51 » Thu May 02, 2013 11:50 am

i'm trying to avoid a headache :mrgreen:
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Re: How many investments do you own? (clarification below)

Postby core5 » Thu May 02, 2013 1:11 pm

Five for me

IRA
VTWSX (Don't have enough for admiral shares in VTSAX and VTIAX).
RALCX (classic "pay my manager" fund. Dumping it for VGSIX and VTWSX later this week).

401(k)
SSgA S&P 500 Index Fund
SSgA Global All Cap Equity ex U.S. Index Fund
SSgA Russell Small/Mid Cap Index Fund
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Re: How many investments do you own? (clarification below)

Postby feh » Thu May 02, 2013 2:04 pm

Eight:

TSM
TISM
SV
ISV
SP500
TBM (2 funds)
REIT
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Re: How many investments do you own? (clarification below)

Postby livesoft » Thu May 02, 2013 2:18 pm

Over 30 spread out among 18 accounts.
It's all about short-term opportunistic rebalancing due to a short-term change in one's asset allocation, uh, I mean opportunistic rebalancing, uh I mean rebalancing, uh I mean market timing.
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Re: How many investments do you own? (clarification below)

Postby assumer » Thu May 02, 2013 2:19 pm

1 - A target retirement fund.
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Re: How many investments do you own? (clarification below)

Postby Dulocracy » Thu May 02, 2013 3:20 pm

My number is skewed a little. The number is 17 because of pre-boglehead buy and hold investments like individual stock in BAC, etc. If you count just my post-boglehead investments, it would be simplified down to 9 total. Some of these would be semi-duplicate. That is, if my 401k has a DFA fund that tracks the same segment as a Vanguard fund in a taxable account, I count them as separate under the guidelines provided. (For example, two mid-cap funds)
I'm not a financial professional. Post is info only & not legal advice. No attorney-client relationship exists with reader. Scrutinize my ideas as if you spoke with a guy at a bar. I may be wrong.
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Re: How many investments do you own? (clarification below)

Postby bluelight » Thu May 02, 2013 4:04 pm

7 - All Index funds...
2 in my old 401K
1 in my current 401K
US Bond index at Fidelity
TSM, TISM, TBM at Vanguard.

I looked back to see the number that I had before finding Bogleheads in 2011. I was all over the place with over 20 stocks and funds.
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Re: How many investments do you own? (clarification below)

Postby xram » Thu May 02, 2013 4:30 pm

See below. :happy
VTI, VBR, VTWV, SCHH, VXUS, VEA, VWO, VSS, FM, VNQI, VBTLX, VFITX, SCHP, VWITX, IBONDS, EEBONDS, EF(EverBank), UTAH-529
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Re: How many investments do you own? (clarification below)

Postby kenyan » Thu May 02, 2013 4:38 pm

16 spread out among 9 different accounts (2x 529, taxable, 6 retirement accounts). Technically 18, but two share class overlaps.
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Re: How many investments do you own? (clarification below)

Postby Easy Rhino » Thu May 02, 2013 4:40 pm

16 but several share class overlaps, and a few cases of "near fits" becuase my 401k has something similar to a vanguard index I like.

and a few random stocks in relatively small holdings. :beer
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Re: How many investments do you own? (clarification below)

Postby 22twain » Thu May 02, 2013 4:49 pm

Seven:

403(b) with TIAA-CREF:
1. TIAA Traditional
2. CREF Stock.

T. Rowe Price mutual funds:
3. Total Equity Market Index (POMIX)
4. International Equity Index (PIEQX)
5. US Bond Enhanced Index (PBDIX)

T. Rowe Price brokerage:
6. Vanguard Total Stock Market ETF (VTI)
7. Vanguard Total Bond Market ETF (BND)
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Re: How many investments do you own? (clarification below)

Postby mcblum » Thu May 02, 2013 4:58 pm

not counting the Money Market: six.
Total Stock, Intermediate Bond and TIPS in IRA
S&P 500 and Intermediate Bond in 401K
S&P 500 in Taxable
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Re: How many investments do you own? (clarification below)

Postby steve r » Thu May 02, 2013 4:59 pm

6

Roth & taxable(small)
ACWV (All Country Index Min Volatility)

Fidelity 403b
FFNOX Four In One Index

TIAA-CREF 403b
Vanguard Signal U.S. Index
Vanguard Signal International Index
Vanguard Signal Bond Index
Vanguard Signal TIPS

I would drop down to three if TIAA-CREF gave me an Index all in one choice. Love the simplicity.
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Re: How many investments do you own? (clarification below)

Postby dmcmahon » Thu May 02, 2013 5:21 pm

Counted all FDIC instruments as one.
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Re: How many investments do you own? (clarification below)

Postby technovelist » Thu May 02, 2013 6:14 pm

1 for me. Or it could be 2 if you count fixed annuities, or 3 if you count glittery-type cash as an investment.
Last edited by technovelist on Thu May 02, 2013 6:25 pm, edited 2 times in total.
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Re: How many investments do you own? (clarification below)

Postby Toons » Thu May 02, 2013 6:21 pm

At last count 35
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Re: How many investments do you own? (clarification below)

Postby Paul78 » Thu May 02, 2013 6:37 pm

5

G-fund

Vanguard index funds
Total International Stock
Total Stock Market
Emerging Markets Stock
Small-Cap
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Re: How many investments do you own? (clarification below)

Postby gkaplan » Thu May 02, 2013 7:30 pm

Eight, not counting a Vanguard money market fund.

Vanguard Value Index Fund Admiral Shares
Vanguard Small-Cap Value Index Fund Admiral Shares
Vanguard European Stock Index Fund Admiral Shares
Vanguard Pacific Stock Index Fund Admiral Shares
Vanguard FTSE All-World ex-US Small-Cap Index Fund
Vanguard Emerging Markets Stock Index Fund Admiral Shares
Vanguard Inflation-Protected Securities Fund Admiral Shares
Thrift Savings Plan "G" Fund
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Re: How many investments do you own? (clarification below)

Postby pennstater2005 » Thu May 02, 2013 7:49 pm

LIfestrategy Growth Fund. Not sure if you count that as one or three.
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Re: How many investments do you own? (clarification below)

Postby LazyNihilist » Thu May 02, 2013 8:05 pm

Total Stock Market
Total International Stock Market
Total Bond Market
TIPS.

I also own Target Retirement 2020 but didn't count it because it is made up of the above 4.
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Re: How many investments do you own? (clarification below)

Postby BigFoot48 » Thu May 02, 2013 8:36 pm

Very interesting the 19+ number. HEY PEOPLE! Get with the program! :P

(Full disclosure: I use to have 18 myself.)
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Re: How many investments do you own? (clarification below)

Postby bottomfisher » Thu May 02, 2013 10:21 pm

10 funds total within taxable, Roth IRA, SIMPLE IRA, 457.
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Re: How many investments do you own? (clarification below)

Postby zaboomafoozarg » Thu May 02, 2013 11:13 pm

Most people at 19+? Dang. Trying to recreate the total market index yourself to save on the expense ratio? :D
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Re: How many investments do you own? (clarification below)

Postby scrabbler1 » Thu May 02, 2013 11:25 pm

Six. Two in my IRA and 4 in taxable accounts (mainly to generate income as I am an early retiree). One stock fund in each account and 4 bond funds (munis, corporate, long-term, intermediate term, investment grade, just below investment grade) scattered across 2 brokerage companies.
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Re: How many investments do you own? (clarification below)

Postby investnoob13 » Thu May 02, 2013 11:32 pm

Six.

Vanguard Total stock market
Vanguard Total International Stock market
Vanguard Total bonds market
Vanguard Emerging Market
Vanguard REIT index
Vanguard CA IT tax-exempt muni

Only Total bonds in my Roth IRA.. rest in taxable account. I intended to keep this 6-fund as simple as it is.
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Re: How many investments do you own? (clarification below)

Postby SamGamgee » Fri May 03, 2013 7:11 am

Out of almost 100 votes...

2 in 9 are in the 19+ category

another 2 in 9 are in the 12-18 range

5/9 have 10 different investments or fewer.

Thanks to everybody who participated. This has been very interesting.

[edited for accuracy]
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Re: How many investments do you own? (clarification below)

Postby TO39 » Fri May 03, 2013 11:25 am

I voted 19 +

4 in roth
4 in ira
6 in taxable
7 in 401

for a total of 21

there were 2 duplicates to take me to 19 even

This did not seem like too many to me

the 401 might seem high, but I have small tilt, and foreign and precious metals exposure

Also you could subtract another two if you consider SHY or stable value cash equivalents
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Re: How many investments do you own? (clarification below)

Postby assumer » Fri May 03, 2013 11:34 am

TO39 wrote:foreign and precious metals exposure


What's your reasoning for having those?
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Re: How many investments do you own? (clarification below)

Postby Bogle101 » Fri May 03, 2013 11:40 am

Taxable + 401(k) + Roth

All Vanguard Mutual Funds -

Energy
Vanguard Extended Market
FTSE Global ex-US Small Cap
Health Care
Junk Bonds
High Yield Municipal
Vanguard Total Stock Market

PIMCO Total Return
Vangaurd Institutional Index
Vanguard Extended Market
Vanguard Total International


International REIT
US REIT
Vanguard Total Stock Market
Taxable: 25% VTSAX | 25% VEXAX | 10% VDMAX | 10% VEMAX | 10% VFSVX | 10% VGENX | 10% VGHCX
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Re: How many investments do you own? (clarification below)

Postby TO39 » Fri May 03, 2013 2:52 pm

assumer wrote:
TO39 wrote:foreign and precious metals exposure


What's your reasoning for having those?




I like the diversity
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Re: How many investments do you own? (clarification below)

Postby jon-nyc » Fri May 03, 2013 2:56 pm

Over 19 but half of them are individual TIPS issues.
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Re: How many investments do you own? (clarification below)

Postby leo383 » Fri May 03, 2013 3:01 pm

Seven.

Total Stock
Total Intl Stock
Total Bond
Small Value Index
Long Term Tax Exempt
Fidelity S&P 500
PIMCO Total Return
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Re: How many investments do you own? (clarification below)

Postby SamGamgee » Fri May 03, 2013 3:10 pm

jon-nyc wrote:Over 19 but half of them are individual TIPS issues.


It's probably more meaningful to consider all the TIPS as one investment.
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Re: How many investments do you own? (clarification below)

Postby rr2 » Fri May 03, 2013 3:28 pm

4.

In Tax Advantaged:
-----------------------
CREF Stock
TIAA Traditional
TIAA Real Estate

In Taxable:
--------------
Vanguard Total World Stock Index (VTWSX)
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Re: How many investments do you own? (clarification below)

Postby BostonBoy » Fri May 03, 2013 3:59 pm

My answer is 8 all VG.

Total Bond
Total Stock
Total International
Inflation Protected Securities

Extended Market Index
Windsor II

Mid-Cap Index

Short-Term treasury
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